Auditor's report
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Financial results
Report of the Board of Directors
Income statement
Statement of Financial Position
Statement of Changes in Equity
Cash Flow Statement
Notes
Financial summary (Group)
Statement in compliance with the securities trading act, section 5-5
Auditor's report
Equity capital certificate
Annual report and notes
Annual report and notes
Income statement
Statement of Financial Position
Note 1 - General information
Note 2 - Accounting principles
Note 3 - Critical estimates and assessments concerning the use of accounting principles
Note 4 - Segment information
Note 5 - Capital adequacy and capital management
Note 6 - Risk factors
Note 7 - Credit institutions - loans and advances
Note 8 - Loans and advances to customers
Note 9 - Derecognition of financial assets
Note 10 - Losses on loans and guarantees
Note 11 - Credit risk exposure for each internal risk rating
Note 12 - Maximum credit risk exposure
Note 13 - Credit quality per class of financial assets
Note 14 - Market risk related to interest rate risk
Note 15 - Market risk related to currency exposure
Note 16 - Liquidity risk
Note 17 - Net interest income
Note 18 - Net commission income and other income
Note 19 - Net return on financial investments
Note 20 - Personnel expenses
Note 21 - Other operating expenses
Note 22 - Pension
Note 23 - Income tax
Note 24 - Categories of financial assets and financial liabilities
Note 25 - Measurement of fair value of financial instruments
Note 26 - Fair value of financial instruments at amortised cost
Note 27 - Money market certificates and bonds
Note 28 - Financial derivatives
Note 29 - Hedge Accounting for Debt created by issue of securities
Note 30 - Shares, units and other equity interest
Note 31 - Intangible assets
Note 32 - Property, plant and equipment
Note 33 - Leases
Note 34 - Other assets
Note 35 - Deposits from and liabilities to customers
Note 36 - Debt securities in issue
Note 37 - Other debt and liabilities
Note 38 - Subordinated debt and hybrid capital issue
Note 39 - Investments in owner interests
Note 40 - Business acquisitions/business combinations
Note 41 - Significant transactions with related companies
Note 42 - ECC capital and ownership structure
Note 43 - Earnings per ECC
Note 44 - Events after the balance sheet date
Downloads
Auditor's report
Financial results
Annual report
Annual report 2023
About the group
Statement by the Group CEO
Important events in 2023
This is SpareBank 1 SMN
Board of Directors and Group Management
Community dividend
Corporate governance
Our sustainability effort
Introduction
Responsible lending and investments
Advisory services and customer offering
Sustainable transition of Mid-Norway
Sustainable transition of SpareBank 1 SMN
People and organisation
Financial results
Report of the Board of Directors
Income statement
Statement of Financial Position
Statement of Changes in Equity
Cash Flow Statement
Notes
Financial summary (Group)
Statement in compliance with the securities trading act, section 5-5
Auditor's report
Equity capital certificate
Attachments
Carbon Accounting Report Parent Bank
Carbon Accounting Report Group
GRI Index
Auditor's report sustainability
SpareBank 1 SMN’s memberships
Taksonomiopplysninger Annex VI
